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Union Bank and Trust Company

$100M-$1B Specialty: Commercial MN FDIC cert 22242

Minneapolis, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +28.3% year over year ($230.9M on the books).
  • Delinquency rate 3.20%.
  • Return on assets 0.87%.
  • Efficiency ratio 73.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 49.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Union Bank and Trust Company has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 18.2% in tier
  • + Non-Interest-Bearing Deposit Share 46.65% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.3% in tier
  • - Margin Compression: Bottom 57.0% in tier
  • - Nonperforming Asset Ratio 1.77% above tier average
  • - Efficiency Ratio 9.38% above tier average
Get updates when Union Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $253.4M
+26.1% YoY +9.8% QoQ
-$133.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $113.5M
+7.4% YoY +6.8% QoQ
-$144.8M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $230.9M
+28.3% YoY +10.5% QoQ
-$95.8M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.87%
-27.2% YoY -5.3% QoQ
-0.45% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.02%
-8.2% YoY +0.6% QoQ
+0.03% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 73.86%
+4.4% YoY +5.2% QoQ
+9.38% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 3.20%
+6.2% YoY -14.3% QoQ
+2.28% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 5.7% in tier
Loan-to-Deposit Ratio ? 49.16%
-16.3% YoY -3.3% QoQ
-28.79% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Top 7.9% in tier
Non-Interest-Bearing Deposit Share ? 68.68%
-20.7% YoY -9.0% QoQ
+46.65% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 0.3% in tier
Nonperforming Asset Ratio ? 2.44%
+53.8% YoY -13.6% QoQ
+1.77% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 5.0% in tier
Tier 1 Capital Ratio ? 16.16%
-4.7% YoY -3.3% QoQ
+0.25% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.89%
-21.2% YoY +82.8% QoQ
+0.32% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 4.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 68.7%
-18.0pp YoY
-6.8pp QoQ
 +46.5pp 22.1% 21.9% 22.2% 100%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 12.5%
-5.1pp YoY
-1.5pp QoQ
 +0.9pp 11.6% 14.6% 12.5% 66%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 1.0%
-0.2pp YoY
-0.1pp QoQ
 -31.6pp 32.6% 29.4% 31.3% 1%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.5% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 16.2%
-0.8pp YoY
-0.6pp QoQ
 -2.7pp 18.8% 16.5% 19.7% 59%
Leverage Ratio 10.0%
-0.9pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 11.0% 12.6% 32%
Total Capital Ratio 17.4%
-0.8pp YoY
-0.5pp QoQ
 -2.5pp 19.9% 17.6% 20.8% 59%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 44
+4 (+10.0%) YoY
+3 (+7.3%) QoQ
 -15 58 55 482 46%
Assets per Employee ($) $5.8M
+14.6% YoY
+2.3% QoQ
 -$1.8M $7.5M $8.6M $8.8M 28%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 3.2%
+0.4pp YoY
-0.5pp QoQ
 +2.3pp 0.9% 1.0% 1.0% 95%
Allowance Coverage 0.65x
-1.5% YoY
+19.3% QoQ
 -23.50x 24.15x 20.41x 20.23x 16%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 10.1%
-2.2pp YoY
-0.3pp QoQ
 -2.1pp 12.2% 13.1% 11.6% 38%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.7% 1.7% 2%
Net Income ($, YTD) $1.1M
-7.7% YoY
— QoQ
 -$1.5M $2.6M $4.5M $40.4M 28%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#121 of 661 • Top 18.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.89%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.87%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#341 of 936 • Bottom 36.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Margin Compression

decline
#176 of 307 • Bottom 57.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.87%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

10
Non-Interest-Bearing Deposit Share
funding
Value: 68.68%
Peer Median: 22.03%
#10 of 2643 Top 0.3% in $100M-$1B
107
Non-Interest Income / Assets
revenue_mix
Value: 0.89%
Peer Median: 0.57%
#107 of 2643 Top 4.0% in $100M-$1B
211
Loan-to-Deposit Ratio
liquidity
Value: 49.16%
Peer Median: 77.95%
#211 of 2643 Top 7.9% in $100M-$1B

Top Weaknesses (4 metrics)

2512
Nonperforming Asset Ratio
credit_quality
Value: 2.44%
Peer Median: 0.67%
#2512 of 2643 Bottom 5.0% in $100M-$1B
2484
Delinquency Rate
credit_quality
Value: 3.20%
Peer Median: 0.92%
#2484 of 2633 Bottom 5.7% in $100M-$1B
2055
Efficiency Ratio
profitability
Value: 73.86%
Peer Median: 64.48%
#2055 of 2643 Bottom 22.3% in $100M-$1B
2029
Total Loans
size
Value: $113.52M
Peer Median: $258.35M
#2029 of 2643 Bottom 23.3% in $100M-$1B
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